I think it was either the photography forum or the Scrapbooking forum this question came up and no one that posted knew of anything like that. Whoever put out that kind of software would have to pay royally for the rights to use Disney characters and I haven't seen anything "official" in any of the Disney stores or online. They do sell actual scrapbooking materials (I've seen them in the World of Disney store). You could scan those into your computer and use them that way possibly.
If you go to the creative design forum their is a thread titled Photo Enhancement. There are a lot of frames that people have made for teir photos and they are available for anyone to use.